When was the last time you took a close look at your personal balance sheet? Do you have a very clear idea how much of your money is coming in each month and just as importantly, how much is going out? What is your monthly nut? How much does it cost you to run your life, all in, per month? How much is coming in each month? Mission one: if you earn a living wage and you consistently have more going out than coming in, it is time control your spending. Start with your bills and look for the least painful ways to shave some monthly expenses.…